# 1ST BANK
EVANSTON, WY · FDIC certificate 16522 · asset band $300M-1B · latest filing 2012-03 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $768.0M | |
| Deposits | $538.9M | |
| Loans and leases | $234.6M | |
| Total equity | $97.5M | |
| Loans / deposits | 41.93% (p4 of band) | 74.71% |
| Liquid assets / assets | 63.73% (p97 of band) | |
| Uninsured deposits / deposits | 18.80% (p76 of band) | 12.43% |
| Brokered deposits | 8.96% | |
| Wholesale funding | 25.49% (p95 of band) | |
| FHLB advances / assets | 11.98% | |
| Tier 1 leverage | 8.72% (p30 of band) | 9.54% |
| Unrealized securities loss / equity | 9.47% (p87 of band) | 3.32% |
| AOCI / equity | 1.62% (p96 of band) | |
| ROA (annualized) | 0.95% (p60 of band) | 0.80% |
| Net interest margin | 3.00% (p15 of band) | 3.67% |
| Efficiency ratio | 55.96% (p18 of band) | |
| Noncurrent loans | 4.36% (p79 of band) | 1.96% |
| Net charge-offs (annualized) | -0.01% (p8 of band) | |
| Reserve coverage of noncurrent | 85.04% | |
| Real estate % of loans | 66% | |
| Construction % of loans | 23.68% (p38 of band) | |
| Auto loans | $8.3M (3.52% of loans; DQ 0.86%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p46 of band) | |
| Deposits YoY | 14.8% | |
| Employees | 140 | |

## Flags firing in the latest filing

- **wholesale funding >15%** (`liq_wholesale`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | wholesale funding >15% |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 4 | capital falling, losing money, reserve under noncurrent |  |
| 2011-12 | 3 |  | capital falling |
| 2012-03 | 2 |  | losing money |

## In the news (Google News, unfiltered, newest first; check the city)

- 2018-03-06 [In combination, First Bank of Wyoming will be First Bank - Powell Tribune](https://news.google.com/rss/articles/CBMingFBVV95cUxOMXJ4UUU4N20zM25oVUk3WlREdDdhaGlUb0JTcG1QSC1wVV83VmlXdTlxV2ZiTGtzYlpaOFV0OC16UDJlLW83eUlXaWwySzZVOGoxdWhtUDRXZThIRmd3aHNnVlhkcGxkOXJQa3VZdUttaGdjamFEX3BZNVFURU5YbHl2VDk3WFRLNVBBRndHWlVta1FXZHJrZlVRb0MxUQ?oc=5) · Powell Tribune
- 2013-04-10 [Reverb in review Sigur Rós, 1st Bank Center, Broomfield - The Denver Post](https://news.google.com/rss/articles/CBMilgFBVV95cUxNZFhXZHdVQXNGX1dJbmFBUU5vNkZhcTdmWmRyeHNqSHZsSHB6Tjd1d3RmcXpMeDFheUJpNHhtaDYwMVc0bVJ0ekY0MUR0ME5vSGc2amNzT19rWjh2U2dFM295ZVc4cEE4Zm90UTktMWppY2hnZGhWdmo5ZE5HbnQ5N1BXZHBBT24wRHpVWjY4SGdnOTV4cXc?oc=5) · The Denver Post
- 2018-10-11 [Idaho Independent Bank of Coeur d’Alene is selling to Montana company - The Spokesman-Review](https://news.google.com/rss/articles/CBMingFBVV95cUxNTWJwRlRDdVYwXzFlNGRyRXFmVXdYbkJZb09ITmFMWktMSXFJNjhSZmVSdTk2MVFJNGJ2MGJxNTZaOGpRYWw5WEJPandiMElIRUlKQWdHclNEMFN2NE95b3NCMDNOdTJMRkdUdXA3Nng2aWFOX0JEY2lTT2c0T0JCX21xQVhTUDFUaUZDU2Q5U29mYUMxM18ydkJ5VmVTQQ?oc=5) · The Spokesman-Review
- 2017-08-17 [Heartland Data Breach Update: Thousands of Institutions Impacted - BankInfoSecurity](https://news.google.com/rss/articles/CBMiogFBVV95cUxNWVEyRWhPeVlpYXZaX19sN1VhVk5zZ1RJb2xUMlNFUmhWdnU2c1NxVXRJcVBxYTJXM0ptVjFreVRaQjJQNkdoQmFKWmQxU3ZNMU5ROGRsbVVreFdIeUhHMmEwSjdnaHVoaDd3ZmhWQmdDX1huU3UyeFlYakxsMW1DTEJEMmVsR3BLelpjd0xENjB1eFBqOXFFcFdtc1lqVE44YlE?oc=5) · BankInfoSecurity
- 2019-05-01 [Congratulations, Best of Carbon County - WyomingNews.com](https://news.google.com/rss/articles/CBMi1gFBVV95cUxQOV9OU0V6MWZycEk3TnB6bGRKMllHMi1VSTJJbmpMQ3JDVkQzOHlyLXVUWXMwUW9lcm5jeG9INTZ6RWVuMEJWX0NLd1ZQQThtcVEzbzRZZ1A0M0xybTZzdEVfYllyYW9jQTFMSi1MNlJtbEs3VHpPVFV4ZW5RZlU0ODBranQyZkljRF9LM2Q4SGF0Q0hqaVVQaEJZU19ENzlkQl9oOVk0WTBJMnh0ZHptR0w0S2dpODlObzlaRHBIOFY1VGZ3Q05RUnRLSW1NQnhPRjBNMXRB?oc=5) · WyomingNews.com
- 2024-04-18 [Chris Bunning (May 3, 1946 – April 9, 2024) - SweetwaterNOW](https://news.google.com/rss/articles/CBMid0FVX3lxTE1MaTljTXRvMUh6NzRKZDNSWnVJLUxGUzNDT21TRmVPMk13d1JncjdsRjhvanpsVzBNbEY5ZmdpWGJ6Y1lyUU56MkpnNFFkQlJOYjhkWnBYVEhLMFd0cWp4SlM3T2pmYzRJR2xkMHAtNGNTRGZ0TWxB?oc=5) · SweetwaterNOW
- 2011-04-14 [Encore Gets Funding for $9 Million Assisted Living Community in Wyoming - Senior Housing News](https://news.google.com/rss/articles/CBMisgFBVV95cUxQaXhlUTNPbmtGdkJCWlBwb1BhU3UxTjZzcTJKeld5UDNnbllOd2xjSVhWTXhaRExuV2d3d3A1Nk81c0g1bktjTTFOQ0NfRjMzMUJtcDB3MlYwVVV1QmtfZEdVQWFKanFPWktnTnZQS09iWk9qYjJLc1lqTGhkZy1KQjdpMXI4cGxVSjFSRGc0dnM0ZUd4dWhoazloYlhwYzJSS3lfWWlBVkxWaFM1YnBOQ0Z3?oc=5) · Senior Housing News
- 2017-06-26 [Mural goes full steam ahead - Uinta County Herald](https://news.google.com/rss/articles/CBMigAFBVV95cUxPMFFFMlhPR1RXa3BFU2l5emRWellJNmpMZzBFc1l4Sm9selNhcXhCbmFoVXhudVByZGstd0pSUzB4Yll2MktVaDhndXd1djFTWlVZV2RPZXM3TGE4eEZqZGY2X3loS01WWDJBY0VtS2VLYmpYSHpMX1g0WEozcFRlZg?oc=5) · Uinta County Herald

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=16522 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/10.json (key "16522", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide